What events can typically trigger a personal auto insurance claim?

The correct answer highlights that accidents and theft are primary events that commonly trigger a personal auto insurance claim. When a driver is involved in an accident, it can result in damage to the vehicle or injury to individuals involved, leading to a need for financial assistance from the insurance provider to cover repair costs, medical expenses, and liability payments if applicable. Similarly, theft of the vehicle or its parts can also lead to a claim being filed, as it typically involves loss or damage for which the insured seeks reimbursement or replacement value.

In contrast, the other options do not represent events that would directly result in a claim. Routine maintenance and fuel expenses are part of regular vehicle upkeep and operational costs but do not typically involve triggering an insurance claim. Purchasing a new vehicle may require the individual to update or purchase a new policy but is not an event that results in a claim being filed. Increased traffic violations could lead to higher premiums or potential rate increases, but they do not directly initiate a claim under the policy. Thus, accidents and theft are the key scenarios associated with claims under a personal auto insurance policy.